I've been getting a lot of inquiries lately for authors who want something extremely...shall we say precise and complicated for their covers. When choosing a cover artist, think about what you want for your cover and then think about what kind of cover artist would be able to achieve that for you. Then you must think about price. Obviously, the higher the production value, the higher the cost.
Also, take a look at novels by best-selling authors. Their covers are clean, artistic, stream-lined. They are an abstract representation of the novel; very rarely do they portray a scene from the book. Simplicity is more eye-catching than anything else.
So before you decide that you simply must have ten characters, three different environments, text galore and whatever multitudes of elements that you believe reflect your book...think about how much more evocative it could be if you edited your ideas to something beautiful, elegant, and simple.
It's the difference between this and this, and it could make all the difference in the sales of your novel.